| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +4.6% | +0.7% | +3.9 pts |
| Loan growth (YoY) | -1.6% | -2.4% | +0.8 pts |
| ROA | 0.24% | 0.60% | -0.4 pts |
| ROE | 1.4% | 4.1% | -2.7 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $61.8M | $51.3M | $24.5M | $10.2M | $37K | 0.24% | 3.37% | 0.28% | 4,618 |
| Q4 2025 | $60.3M | $50.0M | $24.5M | $10.1M | $484K | 0.80% | 3.88% | 0.10% | 4,620 |
| Q3 2025 | $59.8M | $49.6M | $24.0M | $9.9M | $287K | 0.64% | 3.91% | 0.07% | 4,627 |
| Q2 2025 | $58.8M | $48.8M | $24.6M | $9.8M | $150K | 0.51% | 3.98% | 0.16% | 4,650 |
| Q1 2025 | $59.0M | $49.1M | $24.9M | $9.7M | $98K | 0.66% | 3.90% | 0.23% | 4,684 |
| Q4 2024 | $56.9M | $47.1M | $25.5M | $9.7M | $708K | 1.24% | 4.19% | 0.07% | 4,693 |
| Q3 2024 | $57.4M | $47.8M | $25.8M | $9.4M | $445K | 1.03% | 4.13% | 0.08% | 4,727 |
| Q2 2024 | $58.9M | $49.5M | $26.0M | $9.2M | $285K | 0.97% | 3.99% | 0.08% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,761 |
Loan mix (Q1 2026): real estate $8.7M · commercial $0 · consumer $14.0M · securities $21.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 81.5% | 65th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.